[Resolved]  Punjab National Bank Housing Finance [Pnbhfl] — requesting for the waiver for the part payment charges which is 22 lakhs - as we were not aware

Address:

641037

From

Loan account number : nhl/coi/1215/254218

Sub: requesting for the true customer support

Dear sir/mam,
Greetings!!!
With reference to your reply mail dated on 08/12/2017, we were totally disappointed with pnb as you were taken my principle amount nearly 22 lakhs without my knowledge. As i have mentioned before, being a non defaulter and high profiled customer, we felt humiliated by this kind of responses from our banking partners.
In the month of may 2017 we have given a written request and also emailed to the concerned branch manager, customer relationship manager for the enhancement of the current loan amount, but we have not received any prompt answer for this requisitions. So we have decided to foreclose the loan amount. We have discussed regarding this foreclosure procedure with the branch in person and also we have sent many emails, they said, only after 15 working days we will get the foreclosure details.
Many times we have visited the branch for to meet the branch head mr. Kathir, for further discussion but he was refused to meet us.
At the time of loan taken, the branch head mr. Kathir, customer relationship manager mr. Prabhu, and the person who facilitated our loan process mr. Muthukumar were promised us "no charges for part payment and foreclosure", even in our loan sanctioned letter the charges details was not mentioned, based on this confirmation only i have paid 6, 20, 00, 000 as a part amount for my principle outstanding, at the time of payment the customer support officer or manager should have explained us regarding this calculation, but no one explained us.

Even the mail confirmation for payment was also not transparent, only after reverting the details about the calculations. For many time, we receive a unclear reply mail with their own, right now we are in total distrust and disgraced about pnbhfl coimbatore's current attitude towards us and we strongly feel that it's a breach of trust.
So we kindly and humbly request you to review our profile and loan emi track record and help us to get my property documents and other related papers unconditionally without any foreclosure charges and other hidden expenses, please consider this as an emergency mail and do the needful as immediate as possible.

Sir, please find below highlighted email conversations between us and pnbhfl

To
The manager
Pnb housing finance
Avinashi road branch
Coimbatore
Sub: requesting for foreclosure
Customer id : 812261
Loan account number : nhl/coi/1215/254218
Dear sir,

Warm greetings from m. Vasantharaju!!!
I am having a loan account in pnb housing finance from 31st dec 2015. I would like to
Inform you that i wanted to close the account for personal reason.
According to the email which was been received on 20/11/2017 the balance amount of
Rs.64240470/- will be paid in 24 hrs time and i kindly request you to do the needful as
Immediate as possible.
Thanking you
Yours truly
M. Vasantharaju & n. Muthusamy

Dear customer,
Thank you for writing to pnb housing finance limited. This is an automated response to your e-mail. We will respond to you within 3 working days.
We appreciate your cooperation in the interim.
We are pleased to inform you that we are now live with online access. Please click https://customerservice.pnbhousing.com/myportal/ to enjoy hassle free online services.
Sincerely,
Pnb housing finance limited

Dear sir / madam,

This is to confirm receipt of rs. 62000000/- towards part pre-payment made in your loan account number nhl/coi/1215/254218. Kindly note the updated details of your loan account as mentioned below:

Principal outstanding after part pre prepayment: rs. 4371039.87/-
Balance tenure: 8 months
Emi amount: rs. 650430/-

In case of any query or clarification, you may write to us at [protected]@pnbhousing.com from your registered email id.

Regards,
Pnb housing finance limited

From: ishan foundation [mailto:[protected]@ishanfoundation.com]
Sent: 08 december 2017 11:53
To: coimbatore ; kathirvel subbiah
Cc: p prabhu ; 'ishan foundation'
Subject: fw: fwd: need clarification for the balance principle
Dear sir,
With reference to our statement of accounts loan account number nhl/coi/1215/254218 which was received from you on 27/11/2017, the total outstanding principle was rs.64240469.98
In which we have paid the part principle amount of rs.6, 20, 00, 000 as dd on 07/12/2017. So the balance principle should be rs.2240469.98/-only
But you have mentioned as rs.4371039.87/-is the outstanding principle, can you please give me the clarification for this amount calculation and other details as immediately as possible

Dear sir/mam,

Greetings from pnbhfl!!

Please find the below calculations.

The loan o. S as on 10/11/2017 – 64240469.98.

Partpayment done on 07/12/2017 – 6.20 cr. (Part payment charges :3 % + 18 % gst) = 2194800.

6.20 cr – 2194800 = 59805200.

Os =. 64240469 – 59805200 = 4435269.98

4435269 – (64230 principal adjustment for the month) = 4371039 principal o. S